MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication. Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: phish@metlife.com. Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: https://www.consumer.ftc.gov/articles/0003-phishing

Policy holders, please log in here:

Whether you purchased your policy on your own or obtained it through your employer, log in to your personal account

If you are the administrator of your business's insurance policy, log in to your Business account

FOR METLIFE SECURITIES INC. REPRESENTATIVES

By clicking Submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433

A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child's college education may become much more difficult.

Those who buy life insurance do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:

Replacing lost income

Covering basic living expenses

Paying household debts, estate taxes and funeral expenses

Funding a child’s education

Supplementing retirement savings

What kinds of life insurance can I get at work?CollapsedExpanded

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

Generally, you should consider a term life insurance policy to:

Get valuable coverage at an affordable price

Help cover specific financial responsibilities like a mortgage or college expenses

Supplement a permanent policy

Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means, the value of the policy will grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of plan is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

Protection for life

Payments that stay the same each year

To put additional money into the policy on a tax-favored basis

Cash value you can use while you are living

What are the advantages of purchasing life insurance through work?CollapsedExpanded

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

Competitive group rates

Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam

Convenient payroll deductions

Easy access to enrollment and educational tools that can help you make the right decisions about the type and amount of insurance that’s right for you

The confidence of knowing that your employer has reviewed and selected the plan

All you have to do is sign up, and sometimes enrollment is automatic.

How much life insurance do I need?CollapsedExpanded

While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate. Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

Salary

Benefits/health insurance

401(k) and retirement savings

Personal services you perform for your family, such as child care, cooking, home maintenance, etc.

Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly low price.1

Premiums are typically based on factors such as:

Age, sex, height and weight

Health status, including whether or not you smoke

Participation in high-risk occupations

Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.

Does MetLife offer individual one year term life insurance?CollapsedExpanded

Yes. MetLife’s one year term products (including products underwritten by Metropolitan Tower Life Insurance Company and Metropolitan Life Insurance Company ) offer affordable protection when you require insurance for the short term. These products are designed to provide the right amount of protection when it’s needed most, or to supplement a policy you already have. Premium rates can be found here. For more information contact MetLife's Specialized Benefit Resources at 877-638-3932, and press 2 for New Business.

What are the tax advantages of life insurance?CollapsedExpanded

Death benefits are generally received income tax-free by your beneficiaries. In the case of permanent life insurance policies, cash values accumulate on an income tax-deferred basis. That means you would not have to pay income tax on any of the policy’s earnings as long as the policy remains in effect. In addition, most policy loans and withdrawals are not taxable (although withdrawals and loans will reduce the cash value and death benefit).2

Do you have questions about MetLife life insurance, disability insurance, long-term care insurance, or an annuity that you purchased on your own through an agent (not through your employer)? Find frequently asked questions, phone numbers, and useful links on our support pages.

Like most group life insurance policies, MetLife group policies contain certain exclusions, reductions, limitations, and terms for keeping them in force. Please contact MetLife for costs and complete details.

Group Term Life is issued by Metropolitan Life Insurance Company, New York, NY 10166. Policy Form GPNP99.

2 Any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation. MetLife may not give tax advice and this document should not be construed as such. Please seek advice based on your particular circumstances from a qualified tax advisor.

MetLife Rapid Term Life insurance is issued by Metropolitan Tower Life Insurance Company, New York, NY 10166, policy form #8D-29-17.